CHAPTER 2. INCORPORATED INSURERS
Article 1. General ........................................... 1140-1142
Article 2. Restrictions on Activities ........................ 1152-1155
Article 3. General Investments ............................... 1170-1182
Article 3.5. Disclosure of Material Transactions ............. 1185-1187
Article 4. Property Authorized for Excess Funds Investments .. 1190-1202
Article 4.5. Leeway Law ......................................... 1210
Article 4.6. Hedging ......................................... 1211-1212
Article 4.7. Insurance Holding Company System Regulatory
Act .......................................... 1215-1215.16
Article 4.8. Business Transacted with Producer Controlled
Insurer ....................................... 1216-1216.6
Article 5. Life Insurance Policies ........................... 1220-1221
Article 5.5. Life Insurance Policy Loans ................... 1230-1239.5
Article 6. Foreign Investments ............................. 1240-1241.1
Article 7. Valuation of Investments .......................... 1250-1254
Article 8. Reinsurance Transactions ............................. 1260
CHAPTER 3. RECIPROCAL INSURERS
Article 1. General Provisions ................................ 1280-1284
Article 2. Organization of Exchange .......................... 1300-1315
Article 3. Filing of Documents ............................... 1320-1330
Article 4. Certificate of Authority ........................ 1350-1350.5
Article 5. Finances .......................................... 1370-1375
Article 6. Assessment of Insurers ............................ 1390-1402
Article 7. Dividends ............................................ 1420
Article 8. Reports and Examination ........................... 1430-1434
Article 9. Suits ............................................. 1450-1453
Article 10. Policy .............................................. 1470
Article 11. Rebates
Article 12. Agents and Brokers .................................. 1500
Article 13. Penalties ........................................ 1510-1512
Article 14. Tax Provisions ................................... 1530-1531
Article 15. Merger .............................................. 1540
Article 16. Merger of Certain Reciprocal Insurers ............ 1550-1559
Article 17. Conversion of Certain Reciprocal Insurers to
Incorporated Stock Insurers ................... 1560-1560.19
CHAPTER 4. FOREIGN INSURERS
Article 1. Conditions of Doing Business ......................... 1561
Article 2. Alien Insurers .................................... 1580-1599
Article 3. Agent for Service of Process ...................... 1600-1605
Article 4. Actions Against Nonadmitted Insurers .............. 1610-1620
Article 4.5. Unauthorized Insurers False Advertising
Process Act ................................. 1620.1-1620.7
CHAPTER 5. PRODUCTION AGENCIES
Article 1. Definitions ....................................... 1621-1624
Article 2. Comprehensive Definitions ......................... 1625-1630
Article 3. Licensing ......................................... 1631-1651
Article 4. Applications ...................................... 1652-1661
Article 5. Bonds ............................................. 1662-1665
Article 6. License Qualifications ............................ 1666-1673
Article 7. License Qualification Examinations ................ 1675-1684
Article 8. Certificates of Convenience ....................... 1685-1700
Article 9. Issuance of Licenses ........................... 1702-1707.51
Article 10. Termination of Licenses ........................ 1708-1712.5
Article 11. License Terms .................................... 1716-1723
Article 12. Conduct of Licensee ............................ 1724-1736.5
Article 13. Disciplinary Actions ........................... 1737-1748.5
Article 13.5. Prelicensing and Continuing Education ........ 1749-1749.9
Article 14. Fees ........................................... 1750-1751.7
Article 15. Travel Insurance Agents .......................... 1752-1757
Article 15.5. Cargo Shippers' Agents ..................... 1757.1-1757.3
Article 16. Variable Contract Agents ..................... 1758.1-1758.5
Article 16.1. Limited License for Retail Vendors of
Communications Equipment ................. 1758.6-1758.693
Article 16.3. Self-Service Storage Agents .............. 1758.7-1758.792
Article 16.6. Rental Car Agents ........................ 1758.8-1758.891
Article 16.7. Credit Insurance Agents .................. 1758.9-1758.994
CHAPTER 5A. ADMINISTRATORS ................................ 1759-1759.10
CHAPTER 6. SURPLUS LINE BROKERS ............................... 1760-1780
CHAPTER 6.1. SURPLUS LINE ADVISORY ORGANIZATION ......... 1780.50-1780.67
CHAPTER 6.5. REINSURANCE INTERMEDIARIES .................. 1781.1-1781.14
CHAPTER 7. BAIL LICENSES
Article 1. Qualification and Licensing ....................... 1800-1823
CHAPTER 8. LIFE AND DISABILITY INSURANCE ANALYSTS ............. 1831-1849
CHAPTER 9. RATES AND RATING AND OTHER ORGANIZATIONS
Article 1. Purpose and Scope of Chapter .................. 1850.4-1851.1
Article 2. Making and Use of Rates ....................... 1853.5-1853.9
Article 2.5. Making and Use of Rates--Insurance of
Properties Being Purchased From
Department of Veterans Affairs ............ 1853.95-1853.97
Article 4. Advisory Organizations .......................... 1855-1855.5
Article 5. Joint Underwriting and Joint Reinsurance ............. 1856
Article 6. Records and Examinations ........................ 1857-1857.4
Article 6.5. Recording and Reporting of Loss and Expense
Experience .................................. 1857.7-1857.9
Article 7. Hearings, Procedure and Judicial Review ......... 1858-1858.7
Article 8. Penalties ....................................... 1859-1859.1
Article 9. Miscellaneous ................................... 1860-1860.3
Article 10. (Reduction and Control of Insurance Rates) 1861.01-1861.16
CHAPTER 10. CHILD CARE INSURANCE ACT .......................... 1862-1864
CHAPTER 10.5. RISK RETENTION ..................................... 1870
CHAPTER 12. THE INSURANCE FRAUDS PREVENTION ACT
Article 1. False and Fraudulent Claims ..................... 1871-1871.9
Article 2. Bureau of Fraudulent Claims .................... 1872-1872.96
Article 3. Insurance Fraud Reporting ....................... 1873-1873.4
Article 4. Motor Vehicle Theft and Motor Vehicle Insurance
Fraud Reporting ................................. 1874-1874.8
Article 4.5. Insurer Inspections ....................... 1874.85-1874.87
Article 4.6. Auto Insurance Fraud Crisis Areas ................. 1874.90
Article 5. Arson Investigations ............................ 1875-1875.8
Article 5.5. Insurance Claims Analysis Bureaus ......... 1875.10-1875.18
Article 5.6. Insurer Fraud Investigation ............... 1875.20-1875.24
Article 6. Deposit of Automobile Insurance Claims
Information ..................................... 1876-1876.5
Article 7. Workers' Compensation Insurance Fraud Reporting 1877-1877.5
Article 8. Insurance Fraud Prevention ...................... 1879-1879.8
DIVISION 2. CLASSES OF INSURANCE
PART 1. FIRE AND MARINE INSURANCE
CHAPTER 1. THE MARINE CONTRACT
Article 1. Insurable Interests Peculiar to Marine Insurance .. 1880-1886
Article 2. Concealment and Representations--Rules Peculiar to
Marine Insurance .................................. 1900-1905
Article 3. Implied Warranties Peculiar to Marine Insurance ... 1920-1927
Article 4. Effect of Course of Voyage ........................ 1940-1945
Article 5. Loss in Marine Insurance .......................... 1960-1997
Article 6. Exemptions ........................................... 2010
CHAPTER 2. THE FIRE INSURANCE CONTRACT
Article 1. Change of Risk .................................... 2030-2032
Article 2. Measure of Indemnity .............................. 2050-2060
Article 3. California Standard Form Fire Insurance Policy .... 2070-2084
CHAPTER 4. GENERAL MUTUAL INSURERS
Article 1. General Provisions ................................ 4010-4019
Article 2. Directors ......................................... 4020-4023
Article 3. Management and Exclusive Agency Contracts ......... 4030-4034
Article 4. Loans ............................................. 4040-4044
Article 5. Dividends to Policyholders ........................ 4050-4052
Article 6. Nonassessable Policies ............................ 4060-4064
Article 7. Insolvency ........................................... 4070
Article 8. Applicable Insurance Laws ......................... 4080-4081
Article 9. Merger, Consolidation, Reinsurance, or Transfer of
Assets and Liabilities ............................ 4090-4096
Article 10. Conversion of an Incorporated Medical
Malpractice Mutual Insurer into an
Incorporated Stock Insurer .................... 4097-4097.20
CHAPTER 5. COUNTY MUTUAL FIRE INSURERS
Article 1. Formation and Organization ........................ 5050-5063
Article 2. Powers ............................................ 5080-5081
Article 3. Membership ........................................ 5090-5094
Article 4. The Policy ........................................ 6010-6021
Article 5. Risks ............................................. 6040-6050
Article 6. Reinsurance ....................................... 6070-6072
Article 7. Loss .............................................. 6090-6091
Article 8. Assessments ....................................... 7010-7018
Article 9. Reports and Statements ............................ 7030-7031
Article 9.5. Merger ........................................ 7040-7044.5
Article 9.6. Transformation .................................. 7045-7049
Article 10. Dissolution ......................................... 7050
Article 11. Exemptions .......................................... 7060
CHAPTER 6. COUNTY MUTUAL FIRE REINSURERS
Article 1. Formation and Organization ........................ 7080-7093
Article 2. Powers and Duties ................................. 8010-8011
Article 3. Additional Memberships ............................ 8030-8031
Article 4. Risks ............................................. 8050-8053
Article 5. Loss .............................................. 8070-8078
Article 6. Assessments and Coverage of Loss .................. 8090-8097
Article 7. Cancellation of Membership ........................ 9010-9012
Article 8. Reports and Statements ............................ 9030-9031
Article 9. Dissolution .......................................... 9050
Article 10. Exemptions .......................................... 9060
CHAPTER 7. FRATERNAL FIRE INSURERS ............................ 9080-9103
CHAPTER 8. UNDERWRITERS FIRE PATROLS
Article 1. Scope of Chapter and Definitions ................ 10020-10022
Article 2. Formation and Organization ........................... 10040
Article 3. Powers .......................................... 10050-10052
Article 4. Meetings and Assessments ........................ 10070-10080
CHAPTER 8.5. EARTHQUAKE INSURANCE ......................... 10081-10089.4
CHAPTER 8.6. CALIFORNIA EARTHQUAKE AUTHORITY ........... 10089.5-10089.54
CHAPTER 8.9. INSURANCE MEDIATION ...................... 10089.70-10089.83
CHAPTER 9. BASIC PROPERTY INSURANCE INSPECTION AND
PLACEMENT PLAN ................................. 10090-10100.2
CHAPTER 10. CALIFORNIA RESIDENTIAL PROPERTY INSURANCE
DISCLOSURE ...................................... 10101-10107
CHAPTER 11. SMALL BUSINESS GUIDE TO COMMERCIAL INSURANCE .. 10108-10108.1
PART 2. LIFE AND DISABILITY INSURANCE
CHAPTER 1. THE CONTRACT
Article 1. General Provisions ........................... 10110-10127.18
Article 1.5. Discontinuance of Group Life Insurance and
Discontinuance and Replacement of Group
Disability Insurance ........................ 10128-10128.4
Article 1.7. California Cobra Program ................ 10128.50-10128.59
Article 2. Transfer ...................................... 10129-10133.9
Article 2.3. Transfers of Structured Settlement Payment
Rights ...................................... 10134-10139.5
Article 2.5. Discriminatory Practices .................... 10140-10145.4
Article 2.6. Underwriting on the Basis of Test of Genetic
Characteristics ............................. 10146-10149.1
Article 3. Policy Provisions Required ...................... 10150-10154
Article 3a. Standard Nonforfeiture Law for Life
Insurance ................................. 10159.1-10167.5
Article 3b. Standard Nonforfeiture Law for Individual
Deferred Annuities ......................... 10168-10168.93
Article 3.5. Appeals Seeking Independent Medical Review .. 10169-10169.5
Article 4. Payment and Proceeds ............................ 10170-10180
Article 5. Exemptions and Miscellaneous Provisions Relating
to Insurance Contracts .......................... 10190-10192
Article 6. Medicare Supplement Policies ............... 10192.1-10192.23
Article 7. Preexisting Condition Provisions and Late
Enrollees ................................... 10198.6-10198.9
CHAPTER 1.5. HEALTH COVERAGE CONTRACT NOTIFICATION
Article 1. Purpose and Title .................................... 10199
Article 2. General Provisions ......................... 10199.1-10199.48
Article 3. Administration and Enforcement .............. 10199.5-10199.9
CHAPTER 2. GROUP LIFE POLICIES .............................. 10200-10214
CHAPTER 2.5. BLANKET LIFE INSURANCE ......................... 10220-10225
CHAPTER 2.6. LONG-TERM CARE INSURANCE
Article 1. Definitions ................................... 10231-10231.8
Article 3. General Provisions ............................ 10232-10233.9
Article 3. Administration and Enforcement ................ 10234-10234.7
Article 3.7. Consumer Protection ...................... 10234.8-10234.97
Article 4. Implementation ................................ 10235-10236.8
Article 5. Inflation Escalator and Benefit Increases ..... 10237-10237.6
CHAPTER 3. BURIAL CONTRACTS ................................. 10240-10252
CHAPTER 4. STANDARD PROVISIONS IN DISABILITY POLICIES
Article 1. Scope of Chapter and Definitions ................ 10270-10279
Article 2. Approval of Commissioner ........................ 10290-10293
Article 2.5. Transportation Ticket Policies ................ 10295-10296
Article 3. Policy Form Generally--Uniform Provisions ....... 10320-10328
Article 4. Compulsory Standard Provisions--Uniform
Provisions ...................................... 10350-10354
Article 5. Optional Standard Provisions and Special
Provisions--Uniform Provisions ............. 10369.1-10369.12
Article 6. Interpretation of Policy ........................ 10380-10390
Article 7. Exemption ............................................ 10395
Article 8. Penalties ..................................... 10400-10402.1
CHAPTER 5. GENERAL REGULATION OF LIFE INSURERS
Article 1. Restrictions on Business ........................ 10430-10436
Article 1a. Regulation of Internal Affairs of Mutual
Insurers ...................................... 10440-10442
Article 2. Registration of Life Policies ................... 10450-10463
Article 3. Valuation of Life Policies ...................... 10478-10489
Article 3a. Standard Valuation Law ................... 10489.1-10489.95
Article 4. Qualifications and Exemptions ................. 10490-10505.1
Article 5. Pension Funds, Separate Accounts .............. 10506-10506.5
Article 6. Investment Return Assurance ................... 10507-10507.4
Article 6.5. Portfolio Indexing ................................ 10507.5
Article 7. Records ....................................... 10508-10508.8
Article 8. Requirements for Replacement of Life Insurance
and Annuity Policies .......................... 10509-10509.9
CHAPTER 5.5. LIFE INSURANCE POLICY ILLUSTRATIONS .... 10509.950-10509.965
CHAPTER 5.6. LIFE INSURANCE COST INDEXES ............ 10509.970-10509.975
CHAPTER 6. INCORPORATED LIFE INSURERS ISSUING POLICIES ON A
RESERVE BASIS
Article 1. Capital ......................................... 10510-10512
Article 2. Dividends ............................................ 10530
Article 3. Premiums and Premium Accounts ................... 10540-10541
CHAPTER 7. DISABILITY INSURANCE DISCLOSURE .................. 10600-10609
CHAPTER 8. SMALL EMPLOYER HEALTH INSURANCE
Article 1. Definitions ..................................... 10700-10701
Article 2. Small Employer Carrier Requirements ........... 10702-10718.7
Article 3. Voluntary Reinsurance Mechanism ................. 10719-10729
Article 4. Purchasing Pool for Small Employers ............. 10730-10749
CHAPTER 8.5. COVERAGE FOR FEDERALLY ELIGIBLE DEFINED INDIVIDUALS 10785
CHAPTER 9. THE PRIVATE HEALTH CARE VOLUNTARY PURCHASING
ALLIANCE ACT
Article 1. General ......................................... 10800-10803
Article 2. Definitions .......................................... 10810
Article 3. Regulation ...................................... 10820-10826
Article 4. Conflicts of Interest ................................ 10830
Article 5. Additional Powers of and Restrictions on
Purchasing Alliances ............................ 10840-10845
Article 6. Participating Carriers .......................... 10850-10856
Article 7. Contracts with Employers, Small Employers, and
Participating Carriers .......................... 10860-10861
Article 8. Marketing ....................................... 10870-10873
Article 9. Solvency ............................................. 10880
Article 10. Exemptions ..................................... 10885-10887
CHAPTER 9.5. INDIVIDUAL ACCESS TO CONTRACTS FOR HEALTH
CARE SERVICES ................................ 10900-10902.6
CHAPTER 10. FRATERNAL BENEFIT SOCIETIES
Article 1. Scope of Chapter ................................ 10970-10976
Article 2. Definitions ..................................... 10990-10993
Article 3. Organization .................................... 11010-11033
Article 4. Benefits ........................................ 11040-11044
Article 5. Contract ........................................ 11060-11073
Article 6. Powers of Commissioner .......................... 11090-11112
Article 7. Financial Matters ............................... 11120-11146
Article 8. Violations and Penalties ........................ 11160-11165
CHAPTER 10A. FIREMEN'S, POLICEMEN'S, OR PEACE OFFICERS'
BENEFIT AND RELIEF ASSOCIATIONS ............... 11400-11407
CHAPTER 11. CHANGE BY ASSESSMENT PLAN INSURER TO RESERVE
PLAN
Article 1. Authorization and Effect ........................ 11420-11422
Article 2. Capital Adjustments ............................. 11440-11443
Article 3. Transfer of Insurance ................................ 11460
Article 4. Powers of Insurer After Transformation .......... 11470-11472
Article 5. Valuation of Policies ................................ 11490
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